Reclaimed Bank Charges SUCCESS stories

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lostlollyinnotts wrote: »

Thanks Underground.
The late payment claims for Ikano Financial services relate to an Allders store card I previously held. I know that Allders had financial problems and closed stores, would this have any bearing on my dealings with Ikano?

I have an address for GE but I'm still looking for the Ikano one?

Thanks again :T :A

I'll answer this cos it looks like I got up before him today

Personally I think it has no bearing on whether you can claim. If Ikano were the underwriters for Allders then this is who you would direct the reclaim to.

Keep an eye out for UNDERGROUND's reply he may have more information to help though and good luck

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petercchan wrote: »

I have just recieved a letter from Abbey to tell me that they would not refund the bank charges and that they are safisfied that the charges do not contravene the infair terms in consumer contracts regulations 1999. Where do I go from here. Do I go to step 4 and threaten to go to court or do I actually take them to court.

This is a little more complicated as my account was closed and I received a default and paid off the balance. I was wondering if I should be punished 3 times for going over my overdraft

1. bank charges.
2. closed account and payment demands.
3. default on my credit file.

Is this lawful, or is does this make my case any stronger or weaker.

A look through the success thread shows Abbey do pay out eventually they are stubborn and need kicking along every step of the way so please do persevere. They are one I will be doing battle with eventually and I watch their cases progression with interest.

At what stage are you at in the reclaiming process ? Your second letter should have stated that you would be reclaiming the full amount plus interest and they had 14 days to reply or you would reclaim in court. From there is the court stage.

A tip I saw on the threads is to get the N1 claim form from the local court and complete it but dont file yet. Send a copy to the bank giving a final chance and 7 days to respond and pay in full. If none or unsatisfactory reply then file your copy and go to court. It gives one last kick for them and gets the whole filling out the forms thing out of the way. You then have a chance to breathe, take in exactly what you are doing and prepare mentally for court. This process can get stressy and stress is nasty so take your time and try to be relaxed about it all. Just a tip

The bank charges arent lawful. That alone gives your case for reclaiming all it needs by way of strength. The closed account is a grey area; if excessive charges forced closure then personally I would complain to the Financial Ombudsman. I dont know that compensation would be payable in the same way as it is because they are closing accounts due to bank charge reclaims but it is worth looking into. The default on your credit file is something you can address for removal but it is complicated and I would look for more advice on that.

Hope that helps in some way to start you off

jayneg_2

Sorry I know this thread is somewhere but cant seem to find it! I need the address for Barclays for putting on court form - any help appreciated - Iv just found it thanx!!!

jayneg_2

I am having trouble getting bank statements from Halifax. I have just typed letter to them but can anyone tell me if this is ok before I sent it - thanks JG

My original letter was forwarded to you on the 22 February 2007 together with a cheque for 10 pounds requesting statements for the past 6 years under the Data Protection Act. I received a letter back from you dated the 16 February stating you could not provide the information as you required a cheque. As I believe this to be “delaying” tactics – I did not write back informing that you had already received a cheque but simply returned your letter with yet another cheque attached. The original cheque has now been presented for payment by you.

The 40 days allowed for you to respond to my request has now long since past. If I do not hear from you with my statements as requested on the 22 February within the next 3 days I will inform the Commissioner of the Data Protection Act of your non-compliance.

chomps13

Hi all

I have issued my Money Claim and wonder if the 5 days in which it takes to be served to Lloyds starts from the day that I ussued it? Iissued it on 19/03, so would the 5 days take it to 24/03, and then 14 days added onto this, being 07/04?

Kind regards!

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jayneg wrote: »

I am having trouble getting bank statements from Halifax. I have just typed letter to them but can anyone tell me if this is ok before I sent it - thanks JG

My original letter was forwarded to you on the 22 February 2007 together with a cheque for 10 pounds requesting statements for the past 6 years under the Data Protection Act. I received a letter back from you dated the 16 February stating you could not provide the information as you required a cheque. As I believe this to be “delaying” tactics – I did not write back informing that you had already received a cheque but simply returned your letter with yet another cheque attached. The original cheque has now been presented for payment by you.

The 40 days allowed for you to respond to my request has now long since past. If I do not hear from you with my statements as requested on the 22 February within the next 3 days I will inform the Commissioner of the Data Protection Act of your non-compliance.

Sounds fine to me but dont expect your statements within 3 days, although miracles have happened and people receive them sometimes yours is one of a million complaints on the matter. The awaited OFT report has whacked the hive with the banks delaying until then and claimants getting more and more frustrated and insistent. The sooner it is out of the way the better. It will change nothing for claimants and the banks will just have to accept this and behave and send information when requested.

Complain to the Information Commissioner. They are receiving thousands of complaints and working through them so the whole thing has basically snowballed. It is inevitable that there will be delays. Try and ride it out.

As the original cheque has been presented for payment I would cancel the second and if charged for doing so ( I used to be ) reclaim the charge

Good luck

jayneg_2

Thanks for your quick response - dont the banks just make you soooooooo mad!!!!!

jayneg_2

chomps13 wrote: »

Hi all

I have issued my Money Claim and wonder if the 5 days in which it takes to be served to Lloyds starts from the day that I ussued it? Iissued it on 19/03, so would the 5 days take it to 24/03, and then 14 days added onto this, being 07/04?

Kind regards!

I am basically at the same stage as you and yes, all deadlines start from after service to defendant - ie five days after you input the claim. There is then 14 days for the bank to acknowledge and if they acknowledge within that time a further 14 days for them to defend. Good luck JG - Just a quick note - if I have had any queries I have found the help line for the court - which you will find on their website - really good. You can phone or email and they usually reply within 24 hours.

caleyles

Hi All

I requested my bank charges from the Bank Of Scotland 14 days ago today, I hand delivered the letter and list of charges to my own bank I therefore know they received the letter. Postie has been and gone today. Do I now do second letter giving them threat of court action or would I be better waiting maybe one more day incase it's in the post but not arrived also this time I won't be able to hand deliver, would I be better posting to my own branch or the head office address? Also if head office address where would that be?
Many thanks

Eyon6995

Not sure if I'm using this to post this question in the right place....

My question is, if the illegal bank charges which I'm about to try and reclaim resulted in a service charge being applied to my accout, am I entitled to reclaim that back as well ??